There were a dozen states that stood out in the report for declines in credit card debt larger than the national average. Showing an 11% drop in debt were California, Texas, and Massachusetts; in Illinois, Missouri and Minnesota there was a 12% drop; New York, Alabama and West Virginia dropped 13%; Wisconsin and Hawaii showed a 14% drop, and New Hampshire residents can boast the biggest drop in debt at 17%.

At the high end of the scale, the three states whose residents currently carry the highest average amount of personal debt are Connecticut with $7,479, New Jersey with $7,531 and Colorado with $7,543.

Some other interesting findings were that Minnesota, Wisconsin and Oregon are the states with the least amount of auto loan debt, while Texas, Louisiana and Oklahoma have the most debt attributed to automobile loans. Mortgage debt declined the most in Nevada since January, shrinking overall by 5%. In Iowa however, mortgage debt showed an increase of 3%.

The average credit score also remained constant since the start of the year, and fell just two points since last June to 667. “Economists are optimistic about the second half of 2011 as gas prices continue to drop and home costs level off. The data supports this trend, reflected by stable credit scores this year and consumers reducing their credit card debt,” announced Kevin Lin, the CEO of the consumer credit advocate site that published the report.